ARC is committed to protecting your privacy and handling your personal information in an open and transparent way, consistent with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
1. The information we collect
| Type of information | Examples | Source |
|---|---|---|
| Identity & contact | name, date of birth, email, phone | you, public registers |
| Business & financial | ABN, trading history, turnover, liabilities, bank-statement data | you, open-banking feeds, credit bureaux |
| Credit-related | credit scores, credit enquiries, repayment history | credit-reporting bodies |
| Device & usage | IP address, browser type, pages visited, cookies | your device/browser |
You may interact with us anonymously or under a pseudonym where lawful and practicable, but this may limit the services we can offer.
2. Why we collect it
We collect, hold and use personal information to:
assess your finance needs and eligibility;
forward your profile to selected Panel Lenders so they can make conditional offers;
manage our relationship with you (e.g. updates, support, dispute handling);
comply with legal and regulatory obligations (e.g. Anti-Money Laundering law);
conduct research, product development and marketing (including by email/SMS) unless you opt out.
3. Sharing your information
We may disclose your personal information to:
Panel Lenders and their agents so they can perform credit checks, quote pricing and, if you accept, originate and manage the loan;
credit-reporting bodies to obtain your credit report or list a credit enquiry;
technology and data-processing providers (e.g. cloud hosting, analytics, e-signature);
legal, accounting, audit and professional advisers;
regulators, courts and law-enforcement agencies where required or authorised by law.
We do not sell your information to unrelated third parties for their own marketing.
4. Overseas disclosure
Some service providers or Lenders may store or access data from jurisdictions outside Australia (for example New Zealand, the United States or the EU). Where we disclose information overseas, we take reasonable steps to ensure the recipient handles it in a manner consistent with the APPs.
5. Website cookies & analytics
Our site uses cookies, pixels and similar technologies to analyse traffic, personalise content and improve the user experience. You can disable cookies in your browser but parts of the site may not function.
6. Storage & security
Information is held in encrypted cloud servers located in Australia and/or secure overseas data centres. We use access controls, multi-factor authentication and encryption in transit and at rest to reduce the risk of unauthorised access.
7. Access, correction & complaints
Access / correction – Email [email protected] and we will provide, correct or delete your personal information within a reasonable period unless a legal exception applies.
Complaints – Email [email protected] with full details. We will acknowledge within two business days, investigate and respond in writing within 30 days. If you are dissatisfied you may complain to the Office of the Australian Information Commissioner (OAIC).
8. Marketing preferences
You may opt out of ARC marketing communications at any time by following the unsubscribe link in our emails or by emailing [email protected].
9. Changes to this policy
We may update this Privacy Policy from time to time. The latest version is always available on our website and takes effect when posted.
